01 · overview
Annual fee
$0
No fee
Sign up bonus
—
No current offer
Credits
—
No tracked credits
Median FICO
—
Approved
Median income
—
Approved
Our take
The Gemini Credit is built around one hook: 4% back on gas, EV charging, and transit, with no annual fee and no foreign transaction fee. The catch is that those three categories share a single $300 monthly cap, so the 4% rate tops out at $12 a month before dropping to 1%. Beyond that, it pays 3% on dining, 2% on groceries, and 1% on everything else, which is respectable but not unusual. The 1% base rate is the real weakness, since most of your unbonused spending will earn less here than on a flat 2% card. It fits best as a commuting and dining card for someone who wants a no-fee option, not as the only card in the wallet.
Apply now
Apply now02 · earn & credits
Earn rates & credits
Earn rates
| Category | Rate |
|---|---|
Gas Gas, EV charging, and transit combined: 4% on the first $300 in spend per month, then 1%; the cap resets on the 1st of each month on first $300/mo, then 1% | 4% |
Transit Shares the $300/month cap with gas and EV charging, then 1%; the cap resets on the 1st of each month on first $300/mo, then 1% | 4% |
Dining | 3% |
Groceries | 2% |
Everything Else | 1% |
Credits & rebates
No credits or rebates tracked.
03 · card details
Card details
Regular APR | 16.49%–34.49% variable |
Foreign transaction fee | None |
04 · approval odds
Approval odds
We're still collecting data on this card. Submit a data point to help. Log in to submit →